Customer financing for service businesses
Turn "I can't afford it" into "Where do I sign?"
One application runs your customer through 17 BNPL and consumer lenders, then Everyone Is Approved programs, then payment plans you own. Every customer leaves with an affordable monthly payment.
Application · Example
HVAC certification program- Prime lendersCredit score 581Declined
- Near-prime lendersMoves down automaticallyDeclined
- Second-look lendersReviewing incomeDeclined
- Everyone Is Approved program36 months · 24.99%Approved
Illustration. Real offers depend on the lender or program and the application.
The problem
Most financing stops at one lender. Ours doesn't.
Here's what happens to the same customer, the same sale, under typical financing and with Client Financing.
| Compare | Typical financing | With Client Financing |
|---|---|---|
| Lenders checked | One | 17 BNPL & consumer lenders, plus Everyone Is Approved programs |
| When a lender says no | The sale is lost | The application moves to the next tier |
| Customers with challenged credit | Usually declined | Every applicant gets an offer when your waterfall ends in an Everyone Is Approved program |
| Merchant fee | 15–50% of every financed sale | Your choice: paid upfront through lenders, or no merchant fee on LMPP |
| Interest your customer pays | The lender keeps all of it | You keep 90% of what's collected on LMPP |
| Next month's revenue | Starts from zero | Scheduled payments from your LMPP portfolio |
60-second check
How much revenue walks out over price?
Use your own numbers. Nothing is saved or sent.
Walking out every year
$864,000Your estimate, based on the numbers you entered. Not a guarantee of results.
How it works
One application. Five chances to say yes.
Send your link
Text it, email it, add it to checkout or fill it out together.
Customer applies once
A short mobile application. No forms for each lender.
The waterfall finds a yes
Each tier gets a turn until your customer is approved.
Prime lenders
Lowest rates for strong credit.
Near-prime lenders
Good and fair credit.
Second-look lenders
Look past the score at income and history.
Everyone Is Approved programs
Built to approve every applicant other lenders declined.
Your own payment plans (LMPP)
Your terms, your rates, anywhere in the waterfall.
Lender Managed Payment Plan
Stop selling your deals. Start owning them.
With LMPP you offer your own payment plans and set your own interest rates. We handle the paperwork, billing and collections. You keep 90% of every payment.
You keep
$7,500- Build the programs. Terms, down payments, 0% and same-as-cash promotions, and an interest rate for each credit tier, from 0% to 29.99%.
- Get paid weekly. 90% of every cleared payment. No merchant fee, no per-transaction fees.
- Need cash sooner? Sell eligible contracts for 60–80% of the remaining balance, or qualify for a line of credit of 1.5–4× your portfolio.
- Real people collect. A US-based, bilingual team of 16 with a 91.7% payback rate.
- See how LMPP works →
Built for your business
Which one is you?
From our merchants
"Client Financing has driven at least a third of our enrollment over the past four years. Nothing else comes close."
Jason Lucchesi · No Flipping Excuses
"My team interviewed 9 different solutions. They came back and said Client Financing is the only one that actually works end-to-end."
"Their Lender Managed Payment Plan solution has created predictable monthly income for our business. Each month our portfolio is consistently growing bigger and bigger."
"All of our client financing is set up in one location. No more juggling spreadsheets and lender portals."
Before you ask
The questions every owner asks.
Can every customer really get approved?
When your waterfall includes an Everyone Is Approved program, every customer who completes the application receives an offer. Those programs come from partner lenders, or you can build your own on LMPP.
Do I get paid upfront?
Yes, when one of our lenders approves your customer. On LMPP you're paid weekly as your customers pay, and you can sell eligible contracts if you want cash sooner.
What rates will my customers pay?
From 0% to 29.99%, depending on the lender or program. On LMPP, you set the interest rate for each credit tier.
Am I locked into a contract?
No. There's no long-term contract and no minimum volume.
Who deals with late payments?
On lender-funded deals, the lender services the loan. On LMPP, our in-house, bilingual US team handles reminders and collections, not your staff.
How fast can I start?
Fill out the form below and our team will contact you within one business day to set up your waterfall and train your staff.
Get started
Let's get your customers to yes.
Takes about a minute. A real person on our team will call you within one business day.
- 17 BNPL & consumer lenders, plus Everyone Is Approved programs
- Optional LMPP plans you control
- No long-term contract, no minimum volume
Received
You're on the list.
Someone from our team will call you within one business day. Keep an eye out for a call or text from Client Financing.